Motorcycle Insurance Quote

Motorcycle Insurance Eligibility

• Agent Binding Authority –

  • $50,000 – Motorcycles

  • $35,000 Street Legal ATV

  • $25,00 Off-Road Vehicles

• Coverage Tiers are

  • Saver – First Accident Waiver, Helmets and Safety Apparel. Liability for permissive use riders is limited to State Minimums in this tier.

  • Plus – First Accident Waiver, Replacement Cost Loss Settlement, Additional Med Pay for Dot Helmets, Optional Equipment, Helmets and Safety Apparel

  • Elite – Diminishing Deductible, First Accident Waiver, Deductible Waiver, Enhanced Rental, Replacement Cost Loss Settlement, Additional Med Pay for Dot Helmets, Optional Equipment, Helmets and Safety Apparel, Roadside Assistance, Trip Interruption, Track Day Coverage, Parade Day Coverage.

• Affinity Discounts available for Motorcycle Club Members, see list of qualifying clubs in state program guides.

• No depreciation on partial losses – PROGRESSIVE DOES NOT TAKE A DEDUCTION ON PARTIAL LOSSES. Vehicles are returned to pre-accident condition or better when there is a claim settlement paid.

• Small Claim Forgiveness and Accident Forgiveness – applied to qualifying policies at renewal

• Genuine Manufacturer Parts Guarantee—If your customer has a claim, Progressive will replace damaged original equipment manufacturer (OEM) parts on the vehicle with OEM parts at no additional cost to your customer.

• Disappearing Deductibles – a reduction of 25 percent in Comprehensive and Collision deductibles for each claim-free policy period. Included in Total Loss Coverage claims settlement

• Safety Riding Apparel coverage—In the event of a covered loss, $500 protection included for helmets, eye wear, gloves, jackets, leathers, and boots. Additional coverage available up to $3,000 when at least one vehicle has Comprehensive and Collision.

• Carried Contents coverage – for an insured’s owned personal property (such as hunting or camping gear) that is damaged, destroyed or stolen while using the insured vehicle.

• Accessory coverage—Provides $3,000 coverage for no extra premium while traveling on or off-road. Additional coverage available up to a total of $30,000. This is depreciation free.

• Enhanced Injury Protection—Features two benefits: Income Loss coverage, which covers a portion of any income loss as the result of a covered accident and Death coverage.

Three types of loss settlement available – FAO will automatically determine available loss settlement methods when you quote a risk.

• Actual Cash Value (ACV) – any vehicle with a resale value available in the N.A.D.A. Appraisal Guide or Kelley Blue Book will be insured as ACV (or, if eligible, as TLC).

• Agreed Value – the following will be insured as Agreed Value (maximum insurable value $50,000):

  • Motorcycles that are listed in the N.A.D.A. Appraisal Guide and/or Kelley Blue Book but do not show a resale value.

  • Motorcycles 25 years old and older.

• Total Loss Coverage (TLC) – for both new and used motorcycles, ATVs or snowmobiles that are not more than one model year old.

  • If the covered motorcycle loss while this coverage is in effect, Progressive pays the Manufacturer’s Suggested Retail Price (MSRP) of a current model year motorcycle, ATV or snowmobile of the same make and model.

  • Disappearing Deductibles will be automatically included with TLC.

  • This settlement method can be retained at renewal as long as the model year of the motorcycle, ATV or snowmobile is not more than two years older than the calendar year of the effective date of the renewal.

Motorcycles, Utility vehicles (UTV), Golf Carts, Segway's, Dirt Bikes, Neighborhood Electric vehicles (NEV), Mopeds, Scooters, Dual Purpose Motorcycles, Custom Motorcycles, Classic Motorcycles and Trailer (tow behind and transport).

• The primary named insured must be at least 18 year of age and the titled owner.

• Vehicles may be titled in the name of

  • An Individual

  • A Trust

  • An LLC or Corporation

• For street driven vehicles, all drivers must be at least 16 years of age.

• For Off-road vehicles with an engine size 251cc and over, all drivers must be at least 16 years of age.

• For Off-road vehicles with an engine size 250cc or less, all drivers must be at least 11 years of age.

• All drivers 16 years and older must hold a valid U.S driver’s license.

Motorcycle Coverages

• Replacement cost coverage for bikes two model years and newer continues for the life of the policy.

• Accessories covered up to $30,000 with optional replacement cost.

• Coverage for common motorcycles, plus classics, low speed  electric vehicles, ATVs and snowmobiles.